{"id":11918,"date":"2025-01-16T11:05:18","date_gmt":"2025-01-16T15:05:18","guid":{"rendered":"https:\/\/cybercommunications-pr.com\/~acceptapayments\/?p=11918"},"modified":"2026-08-31T16:10:38","modified_gmt":"2026-08-31T20:10:38","slug":"chargeback-mistakes","status":"publish","type":"post","link":"https:\/\/acceptapayments.com\/es\/chargeback-mistakes\/","title":{"rendered":"Los 10 errores m\u00e1s comunes que cometen los comerciantes al lidiar con las devoluciones"},"content":{"rendered":"
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Ser comerciante conlleva muchos retos, y uno de los m\u00e1s habituales es saber c\u00f3mo gestionar el flujo de caja y el cobro de los pagos, reduciendo al m\u00ednimo las disputas. Es precisamente ah\u00ed donde se producen la mayor\u00eda de los errores relacionados con las devoluciones.<\/p>

Unfortunately, every business has to deal with complications at some point when it comes to accepting payments from customers. Among these complications are what\u2019s known as chargebacks, which can majorly disrupt your revenue if not properly managed and addressed.<\/p>

\u00bfQU\u00c9 SON LAS DEVOLUCIONES DE PAGO?<\/h2>

Chargebacks occur when customers dispute a transaction which then leads to the charge amount being returned to the customer (back on the card used) and the business account being debited.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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TYPICALLY, THERE ARE THREE TYPES OF CHARGEBACKS MISTAKES MERCHANTS SHOULD BE AWARE OF:<\/strong><\/p>\n

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Friendly fraud chargebacks<\/strong>:<\/p>\n

Friendly fraud occurs when a cardholder makes a purchase and files an illegitimate chargeback with their card company, claiming they didn\u2019t initiate the transaction.<\/p>\n

True fraud chargebacks:<\/strong><\/p>\n

True fraud occurs when a stolen card or account is used to purchase products or services without the cardholder\u2019s permission. This results in the cardholder filing a charge for unauthorized use of his\/her payment information.<\/p>\n

Merchant error chargebacks:<\/strong><\/p>\n

Merchant error chargebacks are legitimate claims that can stem from issues involving technical errors, poor customer service, unwanted recurring payments, and more.<\/p>\n

While chargebacks can be applied to both credit cards and debit cards for various reasons like fraud and poor product quality, merchants can fight chargebacks if they feel the reason is invalid or misrepresented.<\/p>\n

That being said, businesses should be careful about what actions they take to fight chargebacks, as making mistakes is common while handling these disputes and can have adverse effects.<\/p>\n

THE TOP 10 MISTAKES MERCHANTS MAKE WHEN FIGHTING CHARGEBACKS INCLUDE\u2026<\/h3>\n
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  1. Not communicating with customers<\/li>\n
  2. Little or no knowledge of chargeback reason codes<\/li>\n
  3. Failing to fight chargebacks altogether<\/li>\n
  4. Wasting time<\/li>\n
  5. Ignoring fraud trends and red flags<\/li>\n
  6. Expending costs and valuable resources<\/li>\n
  7. Only focusing on winning the dispute<\/li>\n
  8. Not working with your processor<\/li>\n
  9. Failing to collect chargeback metrics<\/li>\n
  10. Neglecting fraud prevention tools<\/li>\n<\/ol>\n

    1. Not communicating with customers<\/strong><\/p>\n

    Poor communication with consumers is one of the biggest mistakes a business can make when trying to prevent, manage, and reduce chargebacks.<\/p>\n

    Merchants that clearly communicate refund policies with their customers and have easily accessible information on their websites can mitigate or avoid chargebacks altogether.<\/p>\n

    Providing thorough product descriptions and pictures, transaction statements, order details, and more, can also help you fight chargebacks.<\/p>\n<\/div>\n<\/div>\n

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    2. Little or no knowledge of chargeback reason codes<\/strong><\/p>\n

    To successfully fight a chargeback, it\u2019s beneficial for merchants to have sufficient knowledge of, and be up-to-date on, chargeback reason codes.<\/p>\n

    Reason codes for chargebacks work as a classification system established by the card networks that consists of the chargeback types, chargeback reasons, and the required evidence needed to dispute the chargeback. This information is important for merchants to understand in order to build a strong defense against these claims during the representment process.<\/p>\n

    3. Failing to fight chargebacks altogether<\/strong><\/p>\n

    Merchants that fail to investigate or fight chargeback claims are doing their business a great disservice.<\/p>\n

    While each chargeback is different and not all can be disputed, your business should thoroughly review every claim to make sure it\u2019s accurate. If the chargeback is illegitimate, you\u2019ll need to decide if it\u2019s financially advantageous to fight it.<\/p>\n

    4. Wasting Time<\/strong><\/p>\n

    Time is one of the most valuable resources when running a successful business, and fighting chargebacks is no different.<\/p>\n

    While it\u2019s highly recommended to investigate chargebacks to see if they\u2019re legitimate and worth fighting, merchants should be cautious of not spending too much time on these claims.<\/p>\n

    5. Ignoring fraud trends and red flags<\/strong><\/p>\n

    Ignoring red flags involving your customers\u2019 payments and chargebacks, or trends involving fraud can result in a loss in revenue and legal ramifications for your business.<\/p>\n

    Therefore, it\u2019s important to track payments, keep detailed transaction records, and actively monitor unusual activity and chargeback fraud trends. Merchants can achieve this by routinely reviewing payment analytics to identify any patterns \u2014 upticks in dispute frequency or commonly reported reasons\u2014 and stay up-to-date on chargeback reason codes.<\/p>\n

    6. Expending costs and valuable resources<\/strong><\/p>\n

    Overspending and exhausting valuable resources on chargebacks can lead to major operational issues and financial hardship for your business.<\/p>\n

    According to the Digital Payments in 2021: Opportunities and Chargeback Risks <\/strong>survey, the top two challenges for respondents were a lack of experience with chargeback prevention and a lack of chargeback prevention strategies.<\/p>\n

    When merchants aren\u2019t prepared or knowledgeable enough to prevent or address these disputes, the cost of chargebacks can be very expensive.<\/p>\n

    7. Only focusing on winning the dispute<\/strong><\/p>\n

    While it\u2019s important to analyze and factor in your win rate when fighting chargebacks, this shouldn\u2019t be the only indicator of success for your business.<\/p>\n

    Chargeback win rates are the number of dispute wins your company achieves divided by the total number of chargebacks you dispute.<\/p>\n

    Merchants can gain a better picture of their success rate in fighting chargebacks by evaluating other KPIs like dispute rates and ROI:<\/p>\n

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